Credit Repair Help - Here’s How To Start Right Now!
by Mark Alison People are in debt. Living in this world with bad credit can be difficult ... , but it soon will be liberating. When you get rid of your credit cards, be sure to pay off and close ... . It’s hard to repair your credit and it makes life difficult to have bad credit [more...]
Date: 2009-01-05 11:03:01
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Debt consolidation
As with most Americans there are few things as bad as being deep in debt ... card consolidation. I will need to get the payment on my credit cards back where I can afford to pay ... . Debt Consolidation is one option that I am looking at and I will need to make up my mind quickly [more...]
Date: 2009-01-08 01:39:30
another one of those “Thailand” posts
Ok so I’m back to scheming about getting the best exchange rates for my Australian money in Thailand. Obviously, cash is always best ... advances on my credit card and then pay it back to the card pronto pronto to avoid interest charges ... , with 20,000 baht, they make 728 baht, or 3%. To compare that with regular purchases on my credit card [more...]
Date: 2009-01-16 02:29:06
Debt Consolidation Can Help
I know it must be very hard these days for a lot of families that are facing foreclosure or worse because of the downturn in the economy ... get you the money you need to pay off those ugly credit cards but they also believe in debt prevention ... consolidation loan. Put simply, this takes all the debt you have, rolls it all into one lump sum and uses [more...]
Date: 2008-10-30 04:01:05
Debt Relief
Are in debt over your head? Unfortunately, most Americans are and the bad economy right now isn’t helping them get out of debt any quicker! ... for you, they also have other solutions, such as credit counseling, debt consolidation, bankruptcy and credit card monthly payments. You will pay significantly less, though, if you’re able to take advantage [more...]
Date: 2008-11-14 19:53:21
Expect Calm Under Pressure?
Experts tell us that when the going gets rough - brain chemicals get going. My question is, Do they move you into calm or chaos? ... in the dumps because you’re sinking under financial pressures or caught in credit card debt. Add ... that you are going to try a few solutions to pay off credit cards. For instance, you might download [more...]
Date: 2009-01-08 15:22:22
Getting Finances in Order
When the husband and I talked about our goals this year, one of the things we agreed about is to pay the balances on his credit cards immediately ... . The two cards have both running interest rates that are quite high so it is a smart decision to clear them as soon as possible. We have ... [more...]
Date: 2009-01-15 17:35:39
Debts..yikes how do i overcome it
It is a human psycology that we spend more than we earn ... , I AM DEBT FREE!!! I thought I was going to have to spend my entire life paying off credit card bills ... for you to start saving money and get out of debt. Even if you have bad credit, debt consolidation [more...]
Date: 2008-09-02 20:03:23
Consolidating Debt
With the bad market now, a lot of people turn to get help to consolidate debt ... or pay off credit card bills. By the way, various programs are available for consolidating debt ... that is applicable to you. Technorati Tags: Debt,Consolidation,Credit Problem [more...]
Date: 2008-09-18 19:32:03
Debt Management Ideas
by William Blake One of the fastest growing businesses in America right now is debt management ... your money. If you have trouble paying more than the minimum on your credit card bill, for instance ... if you can get yourself out of debt now. - Enter a Debt Counseling Program: There are good programs [more...]
Date: 2008-11-01 07:23:58
152nd Carnival of Debt Reduction
Welcome one and all to the 152nd Edition of the Carnival of Debt Reduction! I got a ton of submissions when I was worried about getting none ... the question every future parents considers in Should We Pay Off Credit Card Debt Before Having a Baby ... to choose their own debt payoff strategy in Figuring Out Your Financial Style 3: Debt Reduction [more...]
Date: 2008-08-11 13:00:20
Don’t Get Trapped By Debt
debt management Experts will tell you that with good financial planning and by sticking to a monthly budget, ... your monthly commitments in terms of loan payments and credit card payments. You may make a major purchase by means of a loan or use your credit card to pay for a holiday thinking you do have the means [more...]
Date: 2009-01-07 07:00:18
Seriously, can I get a freaking break!??!?
I teared up yesterday when I got home as I was dealing with the garbage. And if you know me…I don’t tear up easily ... , have to pay off my credit card, but that my life is good. I can focus on what is good in my life ... of rely on my credit cards. I spent about $100 at Toys R Us for the kids. But seriously, the rest [more...]
Date: 2009-01-15 19:04:29
How to Set New Year’s Financial Resolutions You Can Keep
(source) Every year it’s the same old story. You start with the best of intentions but somehow never manage to fulfill your New Year’s ... or Equifax. If your credit score is lower than 700 due to some outstanding debt, see if you can get those bills paid off as early in the year as possible. Pay the credit cards with the highest interest [more...]
Date: 2009-01-02 19:55:16
How to Set New Year’s Financial Resolutions You Can Keep
(source) Every year it’s the same old story. You start with the best of intentions but somehow never manage to fulfill your New Year’s ... or Equifax. If your credit score is lower than 700 due to some outstanding debt, see if you can get those bills paid off as early in the year as possible. Pay the credit cards with the highest interest [more...]
Date: 2009-01-02 19:55:16
Money for nothin’, chicks for free?
Ahhh, January. Playoffs and payoffs. The henhouse gets a little crowded when more than a few of the credit chickens come home to roost ... that came the other day. Not that big, and we always pay everything off every month, but really ... s like for people who buy everything with credit cards, don’t pay them off, and end up just making minimal [more...]
Date: 2009-01-15 15:34:08
Take the Bills IQ Test
I just took the Bills IQ test. I didn't get a very good score. My overall score was a 63%, which is actually a D ... to consider Debt consolidation. By paying off high interest credit cards first I could be closer to achieving Debt relief. I also learned that I really should have some sort of plan with my finances. I guess [more...]
Date: 2008-07-22 14:55:00
Long Term Condo Strategy
I know I have to get out. This place is going to the birds ... spruce up the place first. I’d have to put it on credit cards, move out and pay for a sublet/rent ... for the bathroom repair. (I should stop calling it a renovation, because it was well and truly damaged [more...]
Date: 2008-08-13 19:15:16
Going Back to School, Adding More Debt, Hoping I Made the Right Choice
I haven’t brought this up here on the blog yet, but one of my big plans for 2009 is going back to school and getting a Master’s Degree ... new laptop.Monthly Update: Credit Card Debt Payoff ... . The bad: I’ll be adding $25K - $30K of debt. If I don’t get a big salary increase I’ll be paying [more...]
Date: 2009-01-08 07:29:26
A Survival’s Guide to Debt Elimination
What is debt elimination? Debt cancellation is the pathway of getting your outstanding debts under control and then avoiding getting into debt in ... out of ten persons have at least one credit card, and the majority of these people are at least a few hundred dollars in debt with their card. Pay Off Your Bills This is just a given [more...]
Date: 2008-12-24 17:06:36
New Year’s Financial Resolutions
Guest Post by Dara DuguayEach year, the most popular New Year’s Resolutions usually alternate between losing weight and getting one’s finances under ... , come with fees and interest rate charges that are usually higher than your credit card purchases ... an emergency fund will give you peace of mind.3. Pay more than the minimum on your credit [more...]
Date: 2009-01-09 05:34:00
Debt consolodation redefined
Are you getting vexed with irritating phone calls demanding you to pay your debts? ... in handling their credits and debits. They provide debt consolidation services, credit counseling services, and even free educational seminars to public. Credit card debt is the leading debt type [more...]
Date: 2008-09-10 16:22:55
Book Review and Giveaway: Good Deals & Smart Steals
By Lynn Truong Good Deals & Smart Steals: ... receipts, avoid paying credit card interest, always comparison-shop, and takes advantage of savings ... offers hundreds of ideas for getting the best value for your money on every kind of purchase. I've also [more...]
Date: 2009-01-09 16:59:03
How to Keep From Getting Judgment Liens
Judgment liens can be placed against ones home or other assets when they refuse to pay credit card bills, home improvement bills, ... against the home of the person that owes the debt. While a judgment is often said to not be as serious [more...]
Date: 2009-01-15 14:38:39
Out-of Work Stress
I’ve been getting a lot of letters from people asking how to cope with job loss. HB wrote: My husband was just downsized out of his job ... severance pay. We do not have any savings to speak of but have money available on a line of credit and do not owe on credit cards. We own our own home. I want to plan around the scenario that he may [more...]
Date: 2008-12-26 18:07:44
Out-of Work Stress
I’ve been getting a lot of letters from people asking how to cope with job loss. HB wrote: My husband was just downsized out of his job ... severance pay. We do not have any savings to speak of but have money available on a line of credit and do not owe on credit cards. We own our own home. I want to plan around the scenario that he may [more...]
Date: 2008-12-26 18:07:44
Plotting the Debt Reduction Course
It feels like it’s been months since I last accomplished a financial goal. In fact, it *has* been months. It’s getting me down. I eliminated $28k+ worth of credit card debt way back on March 27 with a $508.13 payment ... , you have the right to request cancellation of PMI when you pay down your mortgage to the point that it equals [more...]
Date: 2008-06-12 16:55:34
Home Equity Financing Options - Should You Get a Home Equity Loan?
div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip! ... for consolidating or eliminating high interest credit card debts. This way, you are able to pay off ... access to emergency cash may opt for an equity line of credit. However, if you are not interested [more...]
Date: 2009-01-12 15:30:50
Use Snowball Method Spreadsheet To Pay Off Debts [Snowball Method]
Do you have so many credit cards that you could sew a pair of pants from them? Confused as how to get rid of them? ... style of repayment you want, such as snowball or highest interest first. The program then spits ... Try this handy Excel spreadsheet to generate a custom strategy for becoming debt-free. Just enter [more...]
Date: 2008-08-26 11:13:53
Should I Declare Bankruptcy?
One of our readers, Alicia, asked: I have one Credit Card debt with a balance of $15,000 can not pay the Min amount they want like 3, ... then to have to file Bankruptcy and they get no money it’s all i can sent (not only Debt i have) should ... of my debt within the next 5 - 7 years? There are two reasons for the 5-7 year question. The first [more...]
Date: 2008-11-19 13:59:48
Episode 5007 (1/14/2009)
Hey, I don’t pay my taxes; why can’t I be treasury secretary? This is The Colbert Report! ... get not one, but two sets billed to your credit card. Goodnight everybody!” Video Highlight: P.K. [more...]
Date: 2009-01-16 03:20:16
Retailer’s Credit Cards: What Are They, And Should You Have Them?
by Steven J. Talrechi The ads for them are everywhere ... for the next two years. This sounds like a great deal; however, if you can’t pay off the balance ... scenario is not to get into debt with these types of purchases at all and instead pay cash [more...]
Date: 2009-01-14 15:19:57
What Would Happen if You Get Into Financial Trouble
With new technology constantly coming onto the market, the prices of everything rising, and the introduction of more and more credit cards, it is very easy to understand why an increasing number of people are finding themselves in debt. Personal bankruptcy is at all time high because now people are having problems paying for their homes. However, individuals who see quickly that they have a debt problem then there is help available. [more...]
Date: 2009-09-25 09:05:07
What Is A Charge Card?
A couple of days ago, I posted this story about a guy who beat debt. One of his solutions was “getting a charge card which feels like a debit card (and pays for itself with the amount I spend), so I never trap myself in to thinking I’ll pay things off later.” Emphasis mine. What Is A Charge Card Frankly, between debit cards and credit cards and ATM cards, it is easy to forget that there is another type of plastic option, the charge card. [more...]
Date: 2009-08-07 00:00:34
How to Motivate Yourself to Pay Debts
Start the year right with a clean slate which is why I paid all of my credit card dues just last December ... debts to pay off. If you’re in credit card hell. Pay off the ones with smaller debts then get rid ... advice from people who have experienced paying off debts successfully. You can ask your parents, other [more...]
Date: 2009-01-07 10:45:24
How To Get Out Of Credit Card Debt On My Own
I am sick and tired about my awful state of financial affairs. I got sick back in January and as a result I had to leave my occupation ... up as they shall be overcome. Post from: Bankruptcy Articles How To Get Out Of Credit Card Debt ... t know what to do. I tried to call three of my credit card companies and was just told I needed to pay. While [more...]
Date: 2008-10-18 01:04:52
At Last - Looking at the Customer from Their Point of View
Stessa Cohen and Kristin Moyer here. Wells Fargo announced that it is launching an online loan-consolidation repayment program in combination with ... “How to really pay off credit card debt” “How to get a small business loan in a credit crunch” ... a savings tool: the Wells Fargo Debt Pay Down Solution. This solution will let customers [more...]
Date: 2008-12-15 14:46:25
The Paradox of Thrift
Has the economy scared you into cutting back on your spending, paying down your credit cards, getting your budget in order? ... couple profiled in the Journal story: Rick and Noreen Capp recently reduced their credit-card debt ... with that? Haven’t consumers been told they need to be more responsible about debt and spending - the lesson [more...]
Date: 2009-01-06 14:12:53
Repairing Your Credit
We’ve all seen them. “Send me 99.95 and I’ll fix your credit and you can get a one million dollar credit card tomorrow ... your credit. It is not meant in any way to be legal advice. We will discuss several things in this article such as how credit works, paying or settling debts, credit repair companies, and establishing new [more...]
Date: 2009-01-12 01:08:35
Credit Card Debt
Are you having problems with not being able to pay down your credit cards and only paying interest each month? If so, then maybe you should consider debt consolidation. Many people let this get out of hand and don't do anything about it before it's too late. I know from experience, it would be nice to pay [more...]
Date: 2008-12-22 16:16:00
Knee Deep in Debt
credit card debt Having trouble paying your bills? Getting dunning notices from creditors? ... budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt ... Are your accounts being turned over to debt collectors? Are you worried about losing your home [more...]
Date: 2008-12-14 12:21:35
Feed the Pig
Commercials for Feed the Pig came on my radio this morning. I love those commercials ... . It also has a credit card payoff calculator. There are articles about establishing a budget, paying ... credit card debt. Tips on what you should do before you get married, have children, and buy a home [more...]
Date: 2008-09-30 00:05:00
Ask Madison: Reader Mail Volume 2
One of my favorite parts about My Dollar Plan is getting to hear from you ... a credit card in 2006 and now the IRS is stating that we owe them $755 in taxes, how is this possible ... to do so. Since when is paying a credit card off become taxable? Can you tell me what we need to do to straighten [more...]
Date: 2008-09-30 14:32:31
Can Debt Consolidation Help To Overcome Credit Card Debts?
by Ann Collin The only way to keep up with the latest about debt consolidation is to constantly stay on the lookout for new information. If you read everything you find about being sued for debt, it won’t take long for you to become an influential authority. Our society encourages consumers to “buy now, pay later”, offering credit cards and convenience to spend more everywhere we look. This is why it is so easy to get carried away with spending, and eventually end up “knee-deep in debt”. [more...]
Date: 2009-09-21 11:48:57
Suze Orman’s Free Book - Fixing Your Finances in 2009
Barack Obama’s speech warning of devastating unemployment levels and a lengthy recession was no surprise to most Americans ... to do this year. For example, the general Credit advice for 2009 is: Make it a priority to pay off your credit ... to get your FICO credit score above 720. Be very careful where you turn to for help with credit card debt [more...]
Date: 2009-01-09 13:29:00
Debt Consolidation
Debt Consolidation December 29th, 2008 It is quite alarming to know that families find it hard to get by from day to day on average combined ... from and they have more than their loaned amount to pay from interest alone. Most credit card companies charge a whopping 400% interest per year if you aren’t really able to completely pay your credit card [more...]
Date: 2008-12-29 02:07:05
Can Debt Consolidation Help To Overcome Credit Card Debts?
The only way to keep up with the latest about debt consolidation is to constantly stay on the lookout for new information. If you read everything you find about being sued for debt, it won’t take long for you to become an influential authority. Our society encourages consumers to “buy now, pay later”, offering credit cards and convenience to spend more everywhere we look. This is why it is so easy to get carried away with spending, and eventually end up “knee-deep in debt”. [more...]
Date: 2009-09-15 15:05:02
How to Get Credit Card Debt Collectors to Focus Their Energy Elsewhere
Most of those people who cannot afford to pay their monthly minimum credit card payment become potential victims of the consumer debt collection industry. However, a growing number of consumers have found a law to protect themselves against credit card debt collectors. [more...]
Date: 2009-09-26 12:39:41
2005 Bankruptcy Law Finance Industry Sought has Strangled Economy
Was the banking industry screwed over by its own bankruptcy law? It sure appears to have hurt the economy.. ... that escape route and forces better-off households to continue paying credit card debt, which makes ... .“Before the reform, overindebted households might file bankruptcy and get rid of their credit card [more...]
Date: 2009-01-14 04:35:33
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